Giovanni Nicola Pes is Head of the President's Office and Director of the Planning and Research Department at Ente Nazionale per il Microcredito (National Italian Agency for Microcredit), Italy. He is Director of the European 'Capacity Building' Project for the Public Administration and is President of the 'Consumer Credit, Microcredit and Structural Funds' Committee of the 'National Association for the Study of Credit Issues'. He has held office in the capacity of Manager and Consultant with international organizations among which the International Organization for Migration (OIM) and the International Management Group (IMG). He was also Chief Editor of the Microcredit and Development Policies Observatory of the journal 'Microfinanza'. He contributes articles to various specialized journals.
Giovanni Nicola Pes graduated with honours in Political Science from the University of Cagliari, Italy and the Sorbonne University, France. He holds a Master's Degree in European Political Studies obtained jointly at the Institut d'Etudes Politiques in Rennes, France and the Centre for European Studies of Exeter University, UK. He obtained a Postgraduate Diploma in Sustainable Development at Cardiff University, UK and specialized in Microfinance at the Boulder Institute, World Bank.

Pasqualina Porretta is Senior Lecturer of Banking and Finance at 'Sapienza' University of Rome, Italy, where she teaches risk management in bank and insurance and derivatives. She is a member of the academic board for the PhD in management, banking and commodity science at 'Sapienza' University of Rome. Her main research interests are risk measurement and management (credit risk, market risk, liquidity risk, counterparty risk), capital regulatory framework, financial derivatives, credit guarantee institutions and microcredit. She acts as consultant and trainer for various financial intermediaries, microfinance institutions, public entities and consulting firms.

List Of Charts
List Of Tables
List Of Figures
List Of Boxes
Notes On Contributors
Acknowledgements
Forward
Mario Baccini
Introduction
Gianfranco Verzano
PART I: EU STRUCTURAL FUNDS, MICROENTERPRISE AND NON FINANCIAL SERVICES
1. Financial Crises And EU Credit Access Policy; Francesco Minnetti, Pasqualina Porretta And Ervin Sinani
1.1. Methodology And Purposes Of The Research
1.2. Small Businesses And Micro-Enterprises In The EU Economy: Introduction
1.3. The Importance Of The Smes In The European Economy
1.4. Typical Financial Profiles, In Particular With Regard To Micro-Enterprises
1.5. The Supply Of Credit In The Years Of Crisis
1.6. Some Summary Considerations On Data Examined
1.7. Access To Credit In The European Commission'view
1.8. European Investment Bank: Mission And Operating Methods
1.9. What Is The EIF
1.10. The Main Financial Instruments 2007-2013
1.11. GIF
Statistical Data
1.12. The SMEG
Statistical Data
1.13. The CBS
1.14. Financial Engineering Instruments
1.14.1. JEREMIE
1.14.2. The Advantages Of The JEREMIE Programme
1.14.3. JESSICA
1.14.4. JASPERS
Statistical Data
1.14.5. JASMINE
Summary Of Data Collected On Financial Engineering Instruments
1.15. COSME 2014- 2020
1.16. EFG
1.17. LGF
2. EU Cohesion Policy And Micro-Finance; Giorgio Centurelli, Pasqualina Porretta, Fabrizio Santoboni
2.1. Cohesion Policy, EU Structural Funds And Financial Engineering Instruments: Regulatory Framework And Operational Features Under The Programming Periods 2000-2006 And 2007-2013
2.1.1. The Regulatory Framework In The Programming Period 2000-2006: First
Implementing Provisions In Regulation (EC) No. 448/2004
2.1.2. The Regulatory Framework Of The Programming Period 2007-2013: Specific
Features Of The Financial Engineering Instruments
The General Regulation (EC) No. 1083/2006 And Implementing Provisions In
Regulation (EC) No. 1828/2006
The Coordination Committee Of The Funds (COCOF) Notes
2.2. Financial Instruments In The Cohesion Policy 2014-2020: Regulatory Framework
2.2.1. The Main Amendments Compared To Previous Programming Periods
2.3. The Control System
2.4. Structural Funds And Micro-Finance
2.5. Implementing A Micro-Finance Programme Through The Structural Funds
2.5.1. Some Examples In Europe
3. EU Financial Engeneering And Microfinancenon-Financial Service. A Case Study; Maria Claudia Costantini, Maria Doiciu, Stefanie Laemmermann, Andrea Nardone, Giovanni Nicola Pes
3.1. The ESF And The Credit Access Of Micro-Enterprises
3.2. The ESF And Access To Credit For Microenterprises. A Case Study From Germany
3.2.1. History Of Microfinance In Germany
Appraisal Of ESF Support For Microcredit In Germany
3.3. Microfinance And Non-Financial Services. The European Resources To Sustain Non-
Financial Services
3.4. The New European Plans
3.5. Non-Financial Services: Advantages And Operational Features
3.5.1. Types Of Non-Financial Services
3.5.2. Who Funds The Non-Financial Services?
3.6 Partnerships In Delivery Financial And BDSS Services To The Micro Credit Beneficiaries In Romania
3.6.1. Case Study 1: Partnership In The Delivery Integrated Financial And Business
Development Services. FAER NBFI And FAER Foundation
3.6.2. Case Study 2. Partnership In The Delivery Of Integrated Financial And BDS
Services: Rocredit -NBFI And Eurom – Business Consulting Company
4. Micro-Finance And Capacity Building In The EU Policy; Alessandro Cardente, Perrine Lantoine, Fulvio Pellegrini, Giovanni Nicola Pes, Pasqualina
Porretta, Paolo Rita, Fabrizio Santoboni
4.1. Microcredit In The New EU Programmes: The Role Of The Italian National Agency For Microcredit And The Capacity Building Project
Microcredit In The New EU Programmes
4.2. Micro-Leasing, Micro-Insurance, Social Housing: The New Frontiers For European Micro-Finance
4.3. Micro-Leasing: Introduction And Capacity Building Project Issues
4.4. Micro-Insurance: A Solution Just For The «Developing Countries»?
4.4.1. Introduction
4.4.2. Micro-Insurance: Definition, Literature And Regulatory Profiles
4.4.3. Micro-Insurance: Subjects Involved
4.4.3.1. Provision Of Micro-Insurance
4.4.4. Demand For Micro-Insurance
4.4.5. Micro-Insurance: Products And Distribution Channels
4.4.6. Micro-Insurance In The Developed Countries: Strengths And Weaknesses
4.4.7. Some Conclusions On Micro-Insurance
4.5. Social Housing: Introduction And The Capacity Building Project Issues
4.5.1. New Developments Of Housing Policies In The European Union
4.5.2 Social Housing And Housing Micro-Finance
4.5.3. The Capacity Building Project. Social Micro-Credit To Support Local Housing
Policies. New Instruments For Social Inclusion
4.5.4. Possible Developments Within The Programming Period 2014-2020. The Italian
Case
4.6. Housing Microcredit: The French Case
4.6.1. Context Of The Experimentation
4.6.2. Main Characteristics Of Housing Micro-Credit
4.6.3. A Shared-Value Approach
4.6.4. Lessons Learned: First Insights
PART II: THE CAPACITY BUILDING SURVEYS: RESULTS AND REFLECTIONS
4. Capacity Building Surveyes; Riccardo Graziano, Porretta Pasqualina, Giovanni Nicola Pes, Cristiana Turchetti, Matteo Re
5.1. Methodological Framework: Aims, Questionnaires
5.2. The Managing Authorities' Interest And Needs In Capacity Building Activities
5.3. The Questionnaire: The Investigation Area
5.4. The Sample Used
5.5. Main Results
Thematic Objectives
Ex-Ante Conditionalities
Programming, Management, Implementation, Evaluation & Monitoring And Financial
Management And Control Of The Operational Management
Management
Implementation
5.6. Conclusions On First Survey
5.7. Second Survey: Aims, Investigation Areas And Sample Used
5.8. The Main Results Of The Survey: First Considerations
5.9. Reflections On The Second Survey